What the actual fuck!!

People 'bout to go into debt over stupid fake bullshit and not just stupid real shit.

“Click here to finance your addiction.” HOW IS THIS LEGAL?!

Of course, the U.S. are the frontrunners of bullshit again.

Corruption.

In defense of the US, the modern BNPL stuff came out of Australia, the US/Euro versions are mostly all just direct copies of the model. Though, this particular evolution is firmly American, though.

Pure, unadulterated capitalism and greed finding new and horrifying ways of bleeding the people dry. Colour me unsurprised.

For the free (no-interest) versions, it's a bullshit legal loophole in the US credit laws, or at least it was a few years ago. May have been more strongly codified since, though I bet almost nobody who could close it realizes the gap is there. The whole scheme is out of Australia, but I have no idea what their legal setup is. The US requirements are basically: - You can't charge fees to host the plan - You can't charge % late fees, only fixed - You can't have more than 4 installments, meaning no more than 5 payments if you include an optional down payment - You must not deny customers for means-based items, or using credit data. You _can_ give them an effectively meaningless approval value though. You as a customer pay late fees if you miss a payment, but they make most of their money by charging the merchant a higher transaction fee. So, it's theoretically free for the customer, meaning it can fit into the loophole. _Legally_ it isn't a credit product. The TL;DR is "because the law is full of holes and bullshit, and if it's making people money then it's not likely to change"

Fortnite skins fucked up my bank balance and made me homeless.

It's all electrons in the brain anyway

I don't understand how the credit card industry is okay with this. Credit cards are unsecured debt that can be discharged through bankruptcy. Not only that, usually tangible purchases can be repossessed. If someone is addicted to an online game and uses their card to purchase digital assets, how are they going to make their money back?

I'm confident in the EU eventually tackling this. They're proving to be the forefront of human rights in the world right now.

The US are world leaders in enshittification technology

Credit card companies (Visa, Discover, MasterCard, AMEX) make their money through transaction fees. They make their money when you spend money using the card, _regardless_ of any debts involved. The banks that issue cards are a different matter. They _also_ make some money when you use the card (some of which goes towards those credit card rewards you get, which is how they can do stuff like offer % back) but mostly they make money by letting you spend _just_ enough money so as to be perpetually in debt. Your bank wants you to carry a balance. They want you to be paying them tens of percentage points of interest each year. The credit limit they give you isn't the amount they want you to spend in one purchase, it's calculated to be the maximum amount you can afford the running payments on, which will do nothing to touch the principal. Sure, you can discharge the debt if you go bankrupt, but consider as well that your bank has a couple of other advantages. First, they get to see all your spending. They know _how_ you're spending your money, where, when. They also usually get to see your other information. They know how much money comes into your balance accounts each month, they know how much your rent/mortgage costs, they know how much money is coming in from Venmo when you borrow from family to cover debts you can't pay, how much money you spend on food delivery apps, how much of an emergency fund you keep. They know how much money you're spending on things that you don't have to be, which is money you could be giving _them_ instead, if it becomes a running balance. And at 25% interest, they only need this scheme to work for 4 years before they make as much money as they'd lose if you default on your entire balance. Plus, when you _do_ have money in the bank, they get to use that money for other things while it's with them. If you have a $100,000 credit limit, odds are pretty good you have an account with them holding a few tens of thousands of dollars. They get to use most of that until you ask for it back.

Nothing inside a video game should cost real money. Ban the entire business model.

Why not just not play them if you don't like them? I think that hunting games are not fun at all, but I can very easily address that by just not playing them, which avoids starting a fight with people who *do* like them. If I decided "I need to tell people to play games as I see best" and impose a ban, I'd be going out and starting a fight with people that just doesn't need to happen.

Bu-si-ness mo-del. Not: genre. Not: content. Not: players. We are talking about corporations committing systemic abuse for profit. Abuse that's gouging so hard, you might need FINANCING... to play a VIDEO GAME. How big a hint do you need that something has gone wrong?

it's gambling for children is why. While I can choose to not buy the MTX inside a game, children and some young adults are more vulnerable to psychologically manipulative dark patterns that have been designed to mimic addiction as closely as possible.